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  • wow.

    哇哦。

  • The 2008 crash was so severe that it still considered the greatest financial crisis in recent history.

    2008年的崩潰是如此嚴重,以至於它仍然被認為是近期歷史上最大的金融危機。

  • The United States lost $2 trillion 8.7 million jobs disappeared in a glimpse of an eye that meant that millions of people couldn't feed their families especially those who lived paycheck to paycheck.

    美國損失了2萬億美元,870萬個工作崗位轉眼間消失了,這意味著數百萬人無法養活自己的家庭,特別是那些靠工資生活的人。

  • No one really knew what to do.

    沒有人真正知道該怎麼做。

  • In that case.

    在這種情況下。

  • Even the Fed people lost faith in the banks because they had misused their power and destroyed the economy as a result of that.

    甚至美聯儲的人也對銀行失去了信心,因為他們濫用了自己的權力,並是以破壞了經濟。

  • Banks were the major reason behind the 2008 crash.

    銀行是2008年崩潰的主要原因。

  • Well this might sound like an exaggeration.

    這聽起來可能是一種誇張。

  • It wasn't for many who struggled to put food on the table but that's not what made people hate Wall Street even though they were mostly responsible for the crisis by giving high ratings to junk loans or bad loans in simple terms take A I.

    對於許多掙扎著把食物放在桌子上的人來說,這並不是讓人們憎恨華爾街的原因,儘管他們對危機負有主要責任,因為他們給垃圾貸款或不良貸款提供了高評級,簡單來說就是拿A I。

  • G.

    G.

  • For example one of the biggest financial institutions in the US.

    例如,美國最大的金融機構之一。

  • Or to be more precise one of the biggest until 2008.

    或者更準確地說,在2008年之前是最大的之一。

  • It purposely gave triple A.

    它特意給了三A。

  • Ratings to loans that they knew were junk loans and their borrowers will default.

    對他們知道是垃圾貸款的貸款進行評級,其借款人將違約。

  • Why did they do that?

    他們為什麼要這樣做?

  • You may ask just to make money out of thin air A.

    你可能會問只是為了憑空賺錢 A.

  • I.

    I.

  • G.

    G.

  • Made dozens if not hundreds of billions of dollars.

    賺了幾十甚至上千億美元。

  • But was one of the main drivers of the crisis literally if Eggy did not give fake ratings.

    但是是危機的主要驅動力之一,從字面上看,如果埃吉不給假的評級。

  • The 2000 and eight crush wouldn't be that bad or wouldn't happen in the first place.

    2000年和8月的擠壓不會那麼糟糕,或者說首先就不會發生。

  • Although the government didn't bail it out.

    儘管政府並沒有救助它。

  • It is C.

    它是C。

  • O.

    O.

  • back then Joseph Cassano who was given the nickname.

    當年,約瑟夫-卡薩諾被賦予了這個綽號。

  • The men who crashed the world earned an estimated $34 million 2008.

    撞毀世界的人在2008年估計賺了3400萬美元。

  • Think about it.

    想一想吧。

  • You literally destroyed a company that existed for almost 100 years.

    你真的摧毀了一個存在了近100年的公司。

  • You send the greatest economy in the world to a recession and left millions of people jobless not just in the U.

    你讓世界上最偉大的經濟陷入衰退,並使數百萬人失業,不僅僅是在美國。

  • S.

    S.

  • But all across the globe because the U.

    但在全球範圍內,因為美國。

  • S.

    S.

  • Economy is connected deeply with the rest of the world.

    經濟與世界其他地區緊密相連。

  • Especially europe Countries like Greece haven't fully recovered yet from the crisis that happens over a decade ago.

    特別是歐洲 像希臘這樣的國家還沒有完全從十多年前發生的危機中恢復過來。

  • And when you get fired you get a $34 million dollar bonus.

    而當你被解僱時,你會得到3400萬美元的獎金。

  • How is that supposed to make sense?

    這怎麼能說得通呢?

  • Why on earth do such selfish people get in such positions in the first place?

    究竟為什麼這樣自私的人首先會得到這樣的職位?

  • Unfortunately that is not the question of this very are.

    不幸的是,這不是這個非常的問題。

  • But it illustrates to us how greedy these people have become.

    但它向我們說明了這些人已經變得多麼貪婪。

  • That's why so many people came to hate Wall Street or the banks in general.

    這就是為什麼這麼多的人開始討厭華爾街或一般的銀行。

  • However that is still the tip of the iceberg.

    然而這仍然是冰山一角。

  • They're still far more facts that ordinary people don't know about the banks.

    它們仍然是普通人不知道的關於銀行的更多事實。

  • How do they cheat people?

    他們是如何騙人的?

  • How do they cheat the government or how rich people used banks to make billions of dollars out of thin air and avoid taxes?

    他們是如何欺騙政府的,或者富人是如何利用銀行憑空賺取數十億美元並避稅的?

  • We'll answer all of these questions and many more.

    我們將回答所有這些問題以及更多的問題。

  • So give this video a thumbs up and let's dive in.

    是以,請為這段視頻豎起大拇指,讓我們深入瞭解一下。

  • But before we do that let's thank zero for sponsoring this video.

    但在這之前,讓我們感謝零點公司對這個視頻的贊助。

  • We live in an age or having a website is not a measure of want but rather a must whether you're running a business or a blog or trying to get employed.

    我們生活在一個時代,無論你是在經營企業或博客,還是試圖就業,擁有一個網站都不是一個衡量標準,而是一個必須。

  • Having a proper website should be on the job of your priorities and that's what you need.

    擁有一個適當的網站應該是你優先考慮的工作,這也是你所需要的。

  • Zero what sets zero apart from others is how simple and enjoyable it makes the process of building a website.

    零點公司與其他公司的不同之處在於它使建立網站的過程變得非常簡單和愉快。

  • You can let Xiros ai to generate a website for you in no time with a few clicks and you can change anything you want with drug and drop.

    你可以讓Xiros ai在短時間內為你生成一個網站,只需點擊幾下,你就可以通過藥物和拖放來改變你想要的東西。

  • You can set up a website in less than 15 minutes and then monetize it however you want.

    你可以在不到15分鐘內建立一個網站,然後隨心所欲地實現盈利。

  • But here is what I like about zero it is the most affordable easy to use option in the market with fast website loading and 24 7 live chat support and they have a black friday deal for you.

    但我喜歡的是零,它是市場上最實惠、最容易使用的選擇,網站加載速度快,有24小時即時哈拉支持,而且他們有一個黑色星期五的交易給你。

  • You can build a website for less than $2 a month and it's 30 day money back guaranteed.

    你可以建立一個網站,每月的費用不到2美元,而且有30天的退款保證。

  • Use iris limited black friday deals and get up to 86% off plus three months free with any yearly plan.

    使用鳶尾花有限的黑色星期五優惠,並獲得高達86%的折扣和任何年度計劃的三個月免費。

  • You can start building a website with just a dollar and 71 cents a month but the deal only works until the fifth of december.

    你可以開始建立一個網站,每月只需1美元71美分,但這個交易只在12月5日之前有效。

  • So click the link below or use the coach.

    是以,請點擊下面的鏈接或使用教練。

  • Proactive thinker to get this deal and now let's get back to the video number one fake accounts.

    主動思考的人得到這筆交易,現在讓我們回到視頻中的一號假賬。

  • Since Wells Fargo wasn't deeply involved in the 2008 crashed like A I.

    由於富國銀行並沒有像A I那樣深度參與2008年的崩潰事件。

  • G.

    G.

  • Or Lehman brothers.

    或雷曼兄弟。

  • It created a reputation of a stable bank but that didn't last long.

    它創造了一個穩定銀行的聲譽,但這並沒有持續多久。

  • At first glance it seems like Wall Street learned its lesson and would no longer get involved in anything fraudulent.

    乍一看,華爾街似乎吸取了教訓,不會再參與任何欺詐行為。

  • That will hurt average people again.

    這將再次傷害普通人。

  • But nothing has changed since then.

    但從那時起,一切都沒有改變。

  • In 2016 news broke out that Wells Fargo created millions of fraudulent savings and checking accounts on behalf of its clients without their consent.

    2016年有消息稱,富國銀行在未經客戶同意的情況下代表客戶創建了數百萬個欺詐性的儲蓄和支票賬戶。

  • Wells Fargo clients began to notice that fraud after being charged and anticipated fees and receiving unexpected credit or debit cards or lines of credit.

    富國銀行的客戶在被收取和預期的費用以及收到意外的信用卡或借記卡或信用額度後,開始注意到這種欺詐行為。

  • Initial reports blame individual Wells Fargo.

    初步報告指責個別富國銀行。

  • Branch workers and managers for the problem as well as sales incentives but the plane was later shifted to top down pressure from higher level management to open as many accounts as possible.

    分公司的工人和經理為問題以及銷售獎勵,但後來飛機被轉移到自上而下的壓力,從更高層次的管理,打開儘可能多的帳戶。

  • Just imagine the bank or the place to whom you have trusted your money is purposefully creating a fake account using your name and your personal information to make money.

    試想一下,銀行或你所信任的地方故意用你的名字和你的個人信息創建一個假賬戶來賺錢。

  • That is not just a fraud but disgraceful.

    這不僅是一種欺詐,而且是一種恥辱。

  • It is normal to sell different financial products to your customers.

    向客戶銷售不同的金融產品是正常的。

  • But in this case supervisors pressured their employees to open as many as 1.5 million checking and saving accounts and more than half a million credit cards without customer's authorization, employees were encouraged to order credit cards for preapproved customers without their consent and to use their own contact information when filing out request to prevent customers from discovering the fruit.

    但在本案中,主管人員向其員工施壓,在未經客戶授權的情況下開設了多達150萬個支票和儲蓄賬戶以及50多萬張信用卡,鼓勵員工在未經客戶同意的情況下為預先準許的客戶訂購信用卡,並在提出申請時使用自己的聯繫資訊,以防止客戶發現果。

  • Employees also created fraudulent checking and saving accounts, a process that sometimes involves the movement of money out of legitimate accounts.

    僱員們還創建了虛假的支票和儲蓄賬戶,這一過程有時涉及到將合法賬戶中的資金轉移出去。

  • The creation of these additional products was made possible in part from a process known as pinning by setting the client's pin to four Zeros.

    這些額外產品的創造部分來自於一個被稱為銷釘的過程,即把客戶的銷釘設置為四個零。

  • Bankers were able to control clients accounts and were able to enroll them in programs such as online banking.

    銀行家們能夠控制客戶的賬戶,並能夠讓他們加入網上銀行等項目。

  • How it is supposed to trust banks after that, that's why people are turning to crypto Wells.

    之後該如何信任銀行,這就是人們轉向加密貨幣威爾斯的原因。

  • Fargo has first find $100 million in september 2016 $6.1 million in customer refunds due to inappropriate fees and charges almost half a million dollar settlement for a shareholder class action lawsuit by december 2018 Wells Fargo had already paged $2.3 billion dollars in settlements and consent orders, but no one went to jail.

    法戈已於2016年9月首次找到1億美元,由於不適當的費用和收費,客戶退款610萬美元,到2018年12月,富國銀行已經分頁23億美元的和解和同意令,但沒有人入獄。

  • In fact, top executives still managed to earn their bonuses that were worth millions of dollars number two borrowing money during high inflation.

    事實上,高層管理人員仍然設法賺取了他們的獎金,這些獎金價值數百萬美元,在高通貨膨脹期間借錢。

  • The system is designed in such a way that the wealthier you are, the easier it gets to get even more wealthier and that's not because poor people have no other choice but to spend the money they earn on their necessities and rich people invested because they simply have too much money, But rather because rich people are less likely to default on their loans in 2020 when the world economy went down, the government distributed stimulus bills.

    這個系統的設計是這樣的,你越富有,就越容易變得更富有,這並不是因為窮人沒有其他選擇,只能把賺來的錢花在他們的生活必需品上,而富人投資是因為他們根本就有太多的錢,而是因為富人不太可能在2020年世界經濟下滑時拖欠貸款,政府分發刺激性法案。

  • Finally, the Fed or the government did something to improve the lives of average people, not the Wall Street, but gave money to ordinary people.

    最後,美聯儲或政府做了一些事情來改善普通人的生活,而不是華爾街,而是把錢給普通人。

  • The only problem was that's how it appeared.

    唯一的問題是它就是這樣出現的。

  • In reality rich people learned the lesson from the 2008 crash.

    在現實中,富人們從2008年的崩潰中吸取了教訓。

  • If the government directly bills you out, people will start hating you.

    如果政府直接向你開出賬單,人們就會開始憎恨你。

  • So make it seem as if the government isn't bailing you out.

    所以要讓人覺得政府沒有在救助你。

  • When the Fed inject trillions of dollars into the economy, you know that inflation is going to fly to the roof.

    當美聯儲將數萬億美元注入經濟時,你知道通貨膨脹將飛到屋頂。

  • You don't have to be an expert to understand that home prices alone jumped by over 20%.

    你不需要成為專家就能理解,僅房價就跳漲了20%以上。

  • So if you borrow a billion dollars just 1%, which is exactly what the Fed did.

    是以,如果你借10億美元只是1%,這正是美聯儲所做的。

  • It loaned money to the biggest companies almost like 0%.

    它幾乎像0%一樣向最大的公司提供貸款。

  • These companies took the money and purchased assets and just waited for inflation to do its job.

    這些公司拿著錢購買了資產,只等著通貨膨脹來完成它的工作。

  • Think about it for the sake of example, let's say you borrow $100,000 to buy a house at 2% mortgage rate.

    為了舉例考慮,假設你借了10萬美元,以2%的抵押貸款利率買了一套房子。

  • If home prices rise by 20% next year, you can sell that house for $120,000.

    如果明年房價上漲20%,你可以以12萬美元的價格出售該房屋。

  • Pay back the $100,000 loan to the bank plus $2000 worth of interest and you have earned $18,000 simply by waiting for inflation to do its job.

    向銀行償還10萬美元的貸款,再加上價值2000美元的利息,僅僅通過等待通貨膨脹的作用,你就已經賺了18000美元。

  • Imagine for a moment when the same thing is done with trillions of dollars, which is exactly what happened in 2020.

    想象一下,當同樣的事情用數萬億美元來做,這正是2020年發生的事情。

  • Number three banks help reach people avoid taxes.

    第三家銀行幫助達人們避稅。

  • When you hear the news that Jeff basis has a network of $200 billion or Elon musk has a network of $300 billion.

    當你聽到傑夫-基有2000億美元的網絡或埃隆-馬斯克有3000億美元的網絡的消息。

  • You have to keep in mind that they do not have $200 billion of paper money stashed in their bank accounts or backyards, But rather the amount of shares they own in their company's worth that much selling their stocks isn't as easy as it might seem.

    你必須記住,他們的銀行賬戶或後院裡並沒有藏著2000億美元的紙幣,而是他們所擁有的公司的股票價值那麼高,出售他們的股票並不像看上去那麼容易。

  • First of all, they have to pay a lot of taxes on that, which could be 20%, out of $100 billion is $20 billion.

    首先,他們必須為此支付大量的稅收,可能是20%,在1000億美元中是200億美元。

  • No one wants to pay that much taxes secondly, an oversupply of that particular stock in the market will push the price down.

    沒有人願意支付那麼多的稅款,其次,市場上該特定股票的供應過剩將推低價格。

  • So how do you spend billions of dollars while not selling your stocks?

    那麼,你如何在不賣出股票的情況下花費數十億美元呢?

  • The banks have figured out a way for billionaires to do that.

    銀行已經為億萬富翁們想出了一個辦法,可以做到這一點。

  • You can borrow money from the banks against your assets.

    你可以用你的資產向銀行借錢。

  • The banks will lend you hundreds of millions of dollars, if not billions for you to spend at a very low rate like 1% to buy your 100 ft, yakked a mansion, a private jet and a few luxurious cars maybe and you can pay them back when your company pays dividends or makes a huge profit or when you can sell some of your shares at the right time.

    銀行會借給你數億美元,甚至數十億美元,讓你以1%這樣的極低利率來購買你的100英尺、雅克的豪宅、私人飛機和幾輛豪華汽車,也許你可以在你的公司分紅或賺取鉅額利潤時或在你能在適當的時候出售一些股票時償還他們。

  • That's what you find billionaires like Mark Zuckerberg or Elon musk still take mortgages for dozens of millions of dollars even though they easily can afford those houses.

    這就是你發現像馬克-扎克伯格或埃隆-馬斯克這樣的億萬富翁仍然接受幾千萬美元的抵押貸款的原因,儘管他們很容易買得起這些房子。

  • Why sell your shares now when you can borrow that money at a very low rate and avoid taxes.

    如果你能以很低的利率借到這筆錢,並避免納稅,為什麼現在要賣掉你的股票呢?

  • But unfortunately the banks aren't going to make that exception for mortal people like you and me, all billionaires have started somewhere given those who got a small loan of a million dollars from their dads, they have invested it wisely.

    但不幸的是,銀行不會為像你和我這樣的凡人做出這種例外,所有的億萬富翁都是從某個地方開始的,鑑於那些從他們的父親那裡得到一百萬美元的小額貸款的人,他們已經把它明智地投資。

  • One of the best ways to start investing is through the stock market.

    開始投資的最佳方式之一是通過股票市場。

  • I get it.

    我明白了。

  • It is not easy.

    這並不容易。

  • That's why I created a course and skill share that will teach you everything you need to know about the market to start investing.

    這就是為什麼我創建了一個課程和技能分享,將教給你開始投資所需的關於市場的一切知識。

  • It is simple, straightforward and fully animated.

    它簡單、明瞭,而且是全動畫的。

  • Have literally answered almost all of the questions to have in your mind.

    從字面上看,已經回答了幾乎所有的問題,在你的頭腦中。

  • I strongly recommended if you're serious about investing.

    如果你對投資有興趣,我強烈推薦。

  • It will not just teach you how to invest in index funds but will also teach you how to analyze companies and read financial statements and at the end of the course you will have to complete an assignment that I will personally check and the best part of it is that you can get two weeks of skills, your premium if you use the link in description and get the course for free.

    它不僅會教你如何投資指數基金,而且還會教你如何分析公司和閱讀財務報表,在課程結束時,你必須完成一項作業,我會親自檢查,最重要的是,如果你使用描述中的鏈接並免費獲得該課程,你可以獲得兩週的技能,你的保險費。

  • So don't miss it.

    所以不要錯過。

  • You can also start your investing journey by getting two free stocks from Web all by using the link in the description.

    你也可以通過使用描述中的鏈接從Web all獲得兩支免費股票,開始你的投資之旅。

  • You have everything you need to start.

    你擁有開始所需的一切。

  • If you have enjoyed this video, you will most definitely enjoy this custom play.

    如果你喜歡這個視頻,你肯定會喜歡這個定製的遊戲。

  • At least I have created specifically for you that has our most popular videos and business investing in the stock market that could potentially change your life and now give this video a thumbs up and make sure to subscribe if you haven't done that yet.

    至少我專門為你創建了有我們最受歡迎的視頻和商業投資的股市,有可能改變你的生活,現在給這個視頻豎起大拇指,如果你還沒有這樣做,請確保訂閱。

  • Thanks for watching and until next time.

    謝謝你的觀看,直到下一次。

wow.

哇哦。

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影片操作 你可以在這邊進行「影片」的調整,以及「字幕」的顯示

B1 中級 中文 美元 銀行 貸款 客戶 股票 賬戶

銀行不想讓你知道的關於金錢的5個真相 (5 Truths About Money That Banks Don't Want You To Know)

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    林宜悉 發佈於 2021 年 11 月 23 日
影片單字